Natural hazards · Ham Lake

Ham Lake, MN natural hazards

Most of the natural-hazard damage FEMA expects in Ham Lake comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 4 claims here since 1980.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Ham Lake?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ham Lake to be higher than in 62% of U.S. communities, mostly from inland flooding.

Inland flooding69%Strong wind9%Tornadoes7%Hail5%Everything else9%

By hazard

What Ham Lake faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

69% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once every 2 years in the area

Strong wind

9% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

7% of expected damage

Above average · higher than 56% of U.S. places

Hail

5% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about 6 times a year in the area

Lower here

Ice stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Ham Lake flood?

Every paid claim on a federal flood insurance policy in Ham Lake, from FEMA’s records.

4paid claims since 1980

$37Kpaid to owners

0homes flooded more than once

19802026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Ham Lake isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Anoka County.

Disasters that hit Ham Lake

Federal disasters declared here

None of the disasters declared for Anoka County shows FEMA aid or repair money reaching Ham Lake itself in FEMA’s records.

Brought FEMA money into Ham LakeDeclared for Anoka County only

Anoka County has had 11 natural disasters declared since 1953, most often floods and severe storms.

Around Ham Lake

Ham Lake and the towns around it

Very lowLowModerateHighVery high

Blainemostly inland floodingHigh

Ham Lakemostly inland floodingHigh

East Bethelmostly inland floodingModerate

Andovermostly inland floodingModerate

Columbusmostly inland floodingLow

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Ham Lake covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Ham Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Ham Lake. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Ham Lake total about $6.9M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.